First Name NCFM ID DOB (dd/mm/yyyy) First Name Last Name

Akshay Gurav NCFM-00001170258 26-10-1990 Akshay Gurav

pushkar mendhe NCFM-00001169875 25-05-1988 pushkar mendhe
Shayan Kar NCFM-00001170254 11.08.1988 Shayan Kar
Rushabh Shah NCFM-00001170256 03.07.1990 Rushabh Shah
Husain sabir NCFM-00001169780 17.01.1992 Husain sabir
prajakta bhore NCFM-00001169832 16.09.1990 prajakta bhore
smeeta khandare NCFM-00001169862 24.01.1991 smeeta khandare
swapna shinde NCFM-00001170180 15.02.1991 swapna shinde
Abhishek Jadhav NCFM-00001170145 19.12.1990 Abhishek Jadhav
mrunmay dhumal NCFM-00001170019 09.09.1988 mrunmay dhumal
Benicia Rexraj NCFM-00001169794 14.07.1992 Benicia Rexraj

Instructions:
1 Separate First Name Last Name
Separate NCFM from the number
2 code

Separate the Date into Three

different coloums of ( Date, Month,
Years) and combine using date
3 function
 NCFM CODE Len Trim len dd mm yy DOB
NCFM 1170258 17 NCFM-00001170258 16 26 10 1990 26 October 1990
NCFM 1169875 16 NCFM-00001169875 16 25 05 1988 25 May 1988
NCFM 1170254 16 NCFM-00001170254 16 11 08 1988 11 August 1988
NCFM 00001170256​ 16 NCFM-00001170256 16 03 07 1990 03 July 1990
NCFM 1169780 16 NCFM-00001169780 16 17 01 1992 17 January 1992
NCFM 1169832 16 NCFM-00001169832 16 16 09 1990 16 September 1990
NCFM 1169862 16 NCFM-00001169862 16 24 01 1991 24 January 1991
NCFM 1170180 16 NCFM-00001170180 16 15 02 1991 15 February 1991
NCFM 1170145 16 NCFM-00001170145 16 19 12 1990 19 December 1990
NCFM 1170019 16 NCFM-00001170019 16 09 09 1988 09 September 1988
NCFM 1169794 16 NCFM-00001169794 16 14 07 1992 14 July 1992
 Full Name
Akshay Gurav
pushkar mendhe
Shayan Kar
Rushabh Shah
Husain sabir
prajakta bhore
smeeta khandare
swapna shinde
Abhishek Jadhav
mrunmay dhumal
Benicia Rexraj
Q1
Investment of Rs.10,000 for 5 years at 12%
What sthe account balance?
$17,623

Q2
Investment of Rs.12,000 for 3 years at rate of 11.5%. Whats the amount?
$16,634.35

Q3
Mr.A will invest Rs.5,000 after 5 years. What will be his account balance 15 years from
now, if rate offered by bank is 10%?
$12,968.71

Q4
Investment of Rs.50,000 for 10 years at 14% compounded daily?
$202,705.58

Q5
Mr. A starts with a monthly recurring deposit of Rs.500/month
What will be the account balance at the end of 5 years
If rate is 12% compounded monthly and investment is done at the start of month?
₹ -40,834.83

Q6
Mr.A has taken a loan of Rs.25,00,000 for 15 years
rate offered by bank is 11.4% compounded monthly
Whats the EMI?
($29,046.00)

Q7
Investment of Rs.100 becomes worth 500 in 20 years
What is the rate of interest?
8%

Q8
Investment of Rs.100 becomes worth 500. Rate offered by bank is 12%
How many years will it take?
14
Ser No CashFlows Return % Value of Investment
0 100 Present val 100
1 3% 103
2 3% 106.09
3 3% 109.2727
#REF! 3% #REF! future value
₹ 119.41
Loan 500000 Loan Interest EMI
rate 9.67% 500000 4029.1667 ₹ -4,427.71
Years 25 ₹ 499,601.45 ₹ 4,025.96 ₹ -4,427.71
EMI ₹ -4,427.71 ₹ 499,199.69 ₹ 4,022.72 ₹ -4,427.71
INTEREST COMPONENT ₹ 498,794.70 ₹ 4,019.45 ₹ -4,427.71
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!

#REF! #REF! #REF!

#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
#REF! #REF! #REF!
Principal
₹ -398.55
₹ -401.76
₹ -405.00
₹ -408.26
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!

#REF!
#REF!
#REF!
#REF!
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#REF!
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#REF!
#REF!
#REF!
#REF!
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#REF!
Create a debt amortization schedule for the following loan case
Loan 906106.786408
Rate 12% Compounded monthly
N 10 years
EMI ($13,000.00) end of period

Month Beg. Loan Interest EMI End Loan Princi Repaid Interest

1 906,107 9,061 13,000 902,168 3,939

2 902,168 9,022 13,000 898,190 3,978
3 898,190 8,982 13,000 894,171 4,018
4 894,171 8,942 13,000 890,113 4,058
5 890,113 8,901 13,000 886,014 4,099
6 886,014 8,860 13,000 881,874 4,140
7 881,874 8,819 13,000 877,693 4,181
8 877,693 8,777 13,000 873,470 4,223
9 873,470 8,735 13,000 869,205 4,265
10 869,205 8,692 13,000 864,897 4,308
11 864,897 8,649 13,000 860,546 4,351
12 860,546 8,605 13,000 856,151 4,395
13 856,151 8,562 13,000 851,713 4,438
14 851,713 8,517 13,000 847,230 4,483
15 847,230 8,472 13,000 842,702 4,528
16 842,702 8,427 13,000 838,129 4,573
17 838,129 8,381 13,000 833,511 4,619
18 833,511 8,335 13,000 828,846 4,665
19 828,846 8,288 13,000 824,134 4,712
20 824,134 8,241 13,000 819,375 4,759
21 819,375 8,194 13,000 814,569 4,806
22 814,569 8,146 13,000 809,715 4,854
23 809,715 8,097 13,000 804,812 4,903
24 804,812 8,048 13,000 799,860 4,952
25 799,860 7,999 13,000 794,859 5,001
26 794,859 7,949 13,000 789,807 5,051
27 789,807 7,898 13,000 784,705 5,102
28 784,705 7,847 13,000 779,552 5,153
29 779,552 7,796 13,000 774,348 5,204
30 774,348 7,743 13,000 769,091 5,257
31 769,091 7,691 13,000 763,782 5,309
32 763,782 7,638 13,000 758,420 5,362
33 758,420 7,584 13,000 753,004 5,416
34 753,004 7,530 13,000 747,534 5,470
35 747,534 7,475 13,000 742,010 5,525
36 742,010 7,420 13,000 736,430 5,580
37 736,430 7,364 13,000 730,794 5,636
38 730,794 7,308 13,000 725,102 5,692
39 725,102 7,251 13,000 719,353 5,749
40 719,353 7,194 13,000 713,547 5,806
41 713,547 7,135 13,000 707,682 5,865
42 707,682 7,077 13,000 701,759 5,923
43 701,759 7,018 13,000 695,777 5,982
44 695,777 6,958 13,000 689,734 6,042
45 689,734 6,897 13,000 683,632 6,103
46 683,632 6,836 13,000 677,468 6,164
47 677,468 6,775 13,000 671,243 6,225
48 671,243 6,712 13,000 664,955 6,288
49 664,955 6,650 13,000 658,605 6,350
50 658,605 6,586 13,000 652,191 6,414
51 652,191 6,522 13,000 645,713 6,478
52 645,713 6,457 13,000 639,170 6,543
53 639,170 6,392 13,000 632,561 6,608
54 632,561 6,326 13,000 625,887 6,674
55 625,887 6,259 13,000 619,146 6,741
56 619,146 6,191 13,000 612,337 6,809
57 612,337 6,123 13,000 605,461 6,877
58 605,461 6,055 13,000 598,515 6,945
59 598,515 5,985 13,000 591,500 7,015
60 591,500 5,915 13,000 584,415 7,085
61 584,415 5,844 13,000 577,260 7,156
62 577,260 5,773 13,000 570,032 7,227
63 570,032 5,700 13,000 562,733 7,300
64 562,733 5,627 13,000 555,360 7,373
65 555,360 5,554 13,000 547,913 7,446
66 547,913 5,479 13,000 540,393 7,521
67 540,393 5,404 13,000 532,797 7,596
68 532,797 5,328 13,000 525,125 7,672
69 525,125 5,251 13,000 517,376 7,749
70 517,376 5,174 13,000 509,550 7,826
71 509,550 5,095 13,000 501,645 7,905
72 501,645 5,016 13,000 493,661 7,984
73 493,661 4,937 13,000 485,598 8,063
74 485,598 4,856 13,000 477,454 8,144
75 477,454 4,775 13,000 469,229 8,225
76 469,229 4,692 13,000 460,921 8,308
77 460,921 4,609 13,000 452,530 8,391
78 452,530 4,525 13,000 444,055 8,475
79 444,055 4,441 13,000 435,496 8,559
80 435,496 4,355 13,000 426,851 8,645
81 426,851 4,269 13,000 418,119 8,731
82 418,119 4,181 13,000 409,301 8,819
83 409,301 4,093 13,000 400,394 8,907
84 400,394 4,004 13,000 391,398 8,996
 85 391,398 3,914 13,000 382,312 9,086
86 382,312 3,823 13,000 373,135 9,177
87 373,135 3,731 13,000 363,866 9,269
88 363,866 3,639 13,000 354,505 9,361
89 354,505 3,545 13,000 345,050 9,455
90 345,050 3,450 13,000 335,500 9,550
91 335,500 3,355 13,000 325,855 9,645
92 325,855 3,259 13,000 316,114 9,741
93 316,114 3,161 13,000 306,275 9,839
94 306,275 3,063 13,000 296,338 9,937
95 296,338 2,963 13,000 286,301 10,037
96 286,301 2,863 13,000 276,164 10,137
97 276,164 2,762 13,000 265,926 10,238
98 265,926 2,659 13,000 255,585 10,341
99 255,585 2,556 13,000 245,141 10,444
100 245,141 2,451 13,000 234,592 10,549
101 234,592 2,346 13,000 223,938 10,654
102 223,938 2,239 13,000 213,177 10,761
103 213,177 2,132 13,000 202,309 10,868
104 202,309 2,023 13,000 191,332 10,977
105 191,332 1,913 13,000 180,246 11,087
106 180,246 1,802 13,000 169,048 11,198
107 169,048 1,690 13,000 157,739 11,310
108 157,739 1,577 13,000 146,316 11,423
109 146,316 1,463 13,000 134,779 11,537
110 134,779 1,348 13,000 123,127 11,652
111 123,127 1,231 13,000 111,358 11,769
112 111,358 1,114 13,000 99,472 11,886
113 99,472 995 13,000 87,467 12,005
114 87,467 875 13,000 75,341 12,125
115 75,341 753 13,000 63,095 12,247
116 63,095 631 13,000 50,726 12,369
117 50,726 507 13,000 38,233 12,493
118 38,233 382 13,000 25,615 12,618
119 25,615 256 13,000 12,871 12,744
120 12,871 129 13,000 0 12,871
Loan 1,000,000.00
rate 12.00% monthly
EMI (Rs) (19,550) 19550
tenure (years) 6
Affordable EMI 22000

Month BOP EMI Interest Princ Repaid

1 1,000,000.00 19550.19 10,000.00 9,550.19
2 990,449.81 19550.19 9,904.50 9,645.69
3 980,804.11 19550.19 9,808.04 9,742.15
4 971,061.96 19550.19 9,710.62 9,839.57
5 961,222.39 19550.19 9,612.22 9,937.97
6 951,284.42 19550.19 9,512.84 10,037.35
7 941,247.07 19550.19 9,412.47 10,137.72
8 931,109.35 19550.19 9,311.09 10,239.10
9 920,870.25 19550.19 9,208.70 10,341.49
10 910,528.76 19550.19 9,105.29 10,444.90
11 900,083.86 19550.19 9,000.84 10,549.35
12 889,534.50 19550.19 8,895.35 10,654.85
13 878,879.65 19550.19 8,788.80 10,761.40
14 868,118.26 19550.19 8,681.18 10,869.01
15 857,249.25 19550.19 8,572.49 10,977.70
16 846,271.55 19550.19 8,462.72 11,087.48
17 835,184.07 19550.19 8,351.84 11,198.35
18 823,985.72 19550.19 8,239.86 11,310.34
19 812,675.38 19550.19 8,126.75 11,423.44
20 801,251.95 19550.19 8,012.52 11,537.67
21 789,714.27 19550.19 7,897.14 11,653.05
22 778,061.22 19550.19 7,780.61 11,769.58
23 766,291.64 19550.19 7,662.92 11,887.28
24 754,404.37 19550.19 7,544.04 12,006.15
25 742,398.22 19550.19 7,423.98 12,126.21
26 730,272.01 19550.19 7,302.72 12,247.47
27 718,024.54 19550.19 7,180.25 12,369.95
28 705,654.59 19550.19 7,056.55 12,493.65
29 693,160.94 19550.19 6,931.61 12,618.58
30 680,542.36 19550.19 6,805.42 12,744.77
31 667,797.59 19550.19 6,677.98 12,872.22
32 654,925.37 19550.19 6,549.25 13,000.94
33 641,924.43 19550.19 6,419.24 13,130.95
34 628,793.49 19550.19 6,287.93 13,262.26
35 615,531.23 19550.19 6,155.31 13,394.88
36 602,136.35 19550.19 6,021.36 13,528.83
37 588,607.52 19550.19 5,886.08 13,664.12
38 574,943.40 19550.19 5,749.43 13,800.76
39 561,142.64 19550.19 5,611.43 13,938.77
40 547,203.88 19550.19 5,472.04 14,078.15
41 533,125.72 19550.19 5,331.26 14,218.94
42 518,906.79 19550.19 5,189.07 14,361.12
43 504,545.66 19550.19 5,045.46 14,504.74
44 490,040.93 19550.19 4,900.41 14,649.78
45 475,391.14 19550.19 4,753.91 14,796.28
46 460,594.86 19550.19 4,605.95 14,944.24
47 445,650.62 19550.19 4,456.51 15,093.69
48 430,556.93 19550.19 4,305.57 15,244.62
49 415,312.31 19550.19 4,153.12 15,397.07
50 399,915.24 19550.19 3,999.15 15,551.04
51 384,364.20 19550.19 3,843.64 15,706.55
52 368,657.65 19550.19 3,686.58 15,863.62
53 352,794.03 19550.19 3,527.94 16,022.25
54 336,771.78 19550.19 3,367.72 16,182.47
55 320,589.31 19550.19 3,205.89 16,344.30
56 304,245.01 19550.19 3,042.45 16,507.74
57 287,737.27 19550.19 2,877.37 16,672.82
58 271,064.45 19550.19 2,710.64 16,839.55
59 254,224.90 19550.19 2,542.25 17,007.94
60 237,216.95 19550.19 2,372.17 17,178.02
61 220,038.93 19550.19 2,200.39 17,349.80
62 202,689.13 19550.19 2,026.89 17,523.30
63 185,165.83 19550.19 1,851.66 17,698.53
64 167,467.29 19550.19 1,674.67 17,875.52
65 149,591.77 19550.19 1,495.92 18,054.27
66 131,537.50 19550.19 1,315.37 18,234.82
67 113,302.68 19550.19 1,133.03 18,417.17
68 94,885.52 19550.19 948.86 18,601.34
69 76,284.18 19550.19 762.84 18,787.35
70 57,496.83 19550.19 574.97 18,975.22
71 38,521.60 19550.19 385.22 19,164.98
72 19,356.63 19550.19 193.57 19,356.63
 EOP
990,449.81
980,804.11
971,061.96
961,222.39
951,284.42
941,247.07
931,109.35
920,870.25
910,528.76
900,083.86
889,534.50
878,879.65
868,118.26
857,249.25
846,271.55
835,184.07
823,985.72
812,675.38
801,251.95
789,714.27
778,061.22
766,291.64
754,404.37
742,398.22
730,272.01
718,024.54
705,654.59
693,160.94
680,542.36
667,797.59
654,925.37
641,924.43
628,793.49
615,531.23
602,136.35
588,607.52
574,943.40
561,142.64
547,203.88
533,125.72
518,906.79
504,545.66
490,040.93
475,391.14
460,594.86
445,650.62
430,556.93
415,312.31
399,915.24
384,364.20
368,657.65
352,794.03
336,771.78
320,589.31
304,245.01
287,737.27
271,064.45
254,224.90
237,216.95
220,038.93
202,689.13
185,165.83
167,467.29
149,591.77
131,537.50
113,302.68
94,885.52
76,284.18
57,496.83
38,521.60
19,356.63
-
Investment Option 1 Investment Option 2

Year Cash Flow DF PV Year Cash Flow

0 -1000000 0 -600000
1 200000 1 200000
2 300000 2 200000
3 300000 3 200000
4 200000 4 150000
5 250000

In which option should we invest the money?

CoC= 10%

NPV= ₹ -53,020 NPV= -₹ 178

IRR= 7.91% IRR= 10%